@Notorious304 wrote:I'm currently trying to fix my banking history in hopes of a home loan and I've aquired my ChexSystems file, but it looks like EWS only accepts requests via snail mail?
My local USPS isn't the most trustworthy, and from my understanding I need to mail EWS some sensitive personal information. Is there really no way to go about this online?
Thanks all!
https://www.earlywarning.com/consumer-information
they appear to offer a fax/upload option
Please return your completed, signed and dated Consumer Identification and Certification Form and a
copy of one form of identification (Driver’s License, ID Card, Passport or other government issued
identification) to Early Warning by mail, fax or uploaded to our Secure Transfer Portal.
@Notorious304 wrote:My local USPS isn't the most trustworthy,
No kidding.
Mortgage typically does NOT require chex/EWS reports. It is typically based on credit profile across all three bureaus and you should have a good credit score and sufficient DTI to qualify for a good rate. If you have specific mortgage related questions that can be a potential risk due to chex/EWS errors or issues, it is better to ask it in the mortgage section for a better visibility.
To prevent fraud or issue, it is better to place freeze on chex as well as credit reports across all three bureaus (all are free). Fixing the potential issues, due to fraud, can be very time consuming and the issues may impact mortgage qualification.
Fico8: EX~EQ~TU~840 (12 month goal~850).